For self-employed persons, their core business is central. However, the legislator requires them to provide an occupational plan - for themselves, as well as their employees. There are several things to consider. The advantages of joining Liberty BVG Collective Foundation: • No minimum premium • Flexible plans • Attractive premiums • Association solutions for self-employed persons (AHV) • Multilingual German - English - French - Italian

Your AHV/AVS pension in addition to your occupational pension benefits are unlikely to enable you to maintain your customary standard of living after retirement. Our pillar 3a solutions offer immediate advantages, without having to wait until later. There are several reasons why a Liberty 3a retirement savings solution in the form of a fixed-rate account or a securities deposit may be of interest to you: • you require a high level of security • you are looking to save for retirement while optimising taxation • you wish to invest in securities at a low cost • you are planning on leaving Switzerland permanently • you are becoming self-employed

Have you established your own business as a sole proprietorship or a general and limited partnership? Or are you employed by your own joint stock or limited liability company? Liberty has the right pension solution for you. Advantages of joining Liberty 1e Flex Invest Foundation: • Flexible individual and tailor-made solutions • Attractive premiums • Association solutions for self-employed persons (AHV) • Individual investment solutions with up to 80% equities exposure • Multilingual German - English - French - Italian • Online access with liberty Connect

Your AHV/AVS pension and your pension fund benefits will barely enable you to maintain your standard of living once you retire. If you are at the start of your career, you are likely to draw less than half of your last earnings after retirement. To have sufficient income for your retirement years, you should invest in a private retirement savings plan – the third pillar. At the same time, you make immediate tax savings on the amounts invested. Are you committed to preserving the environment? Through LibertyGreen you invest in a portfolio of individual companies that are guided by responsible ecological, social, and ethical standards. You invest in the future from your first franc, at unrivalled conditions and without fund management fees .

Whether you are taking a break from work, relocating abroad, or starting your own business – you want to invest your retirement savings well. Depending on your preference, you can opt for a vested benefits solution with a high level of security, or one with higher potential returns. You can open a vested benefit account with Liberty free of charge if you are: • Relocating abroad • Becoming self-employed • Unemployed • On parental leave • Divorcing • Furthering your education • Looking to invest your pension assets with a high level of security.

Liberty is the only provider in Switzerland to offer such a broad spectrum of individual second and third pillar products and services. Our independence assures you more freedom of choice than anywhere else does. Liberty is one of Switzerland’s leading full-service groups in the occupational benefits and tied private benefits field. We are a technology undertaking that sets new milestones in the Swiss pensions market thanks to our open modular pension platform. In addition to extensive consulting expertise and service-oriented mentality, we offer a large number of innovative second and third pillar pension products.